{
  "decision": {
    "engineVersion": "1.0.0",
    "decisionId": "dec-mocsz7xv-3",
    "createdAt": "2026-04-23",
    "input": {
      "proposerCapacity": "resident-owner",
      "monthsOfCouncilTaxPayment": 14
    },
    "route": {
      "route": "B",
      "reason": "No Reg 4 circumstance applies. Taxpayer has paid for more than 6 months so a band review (informal, discretionary, no appeal rights) is available.",
      "ruleRef": "band-review-informal",
      "citations": [
        {
          "id": "HMRC-VO-BLOG-2023-CHALLENGES",
          "title": "Council Tax band challenges — HMRC Valuation Office (Feb 2023)",
          "url": "https://valuationoffice.blog.gov.uk/2023/02/03/council-tax-band-challenges/",
          "note": "Distinguishes proposals (<6 months) from band reviews (>6 months).",
          "retrievedAt": "2026-04-23"
        },
        {
          "id": "GOV-UK-CHALLENGE",
          "title": "Challenge your Council Tax band — GOV.UK",
          "url": "https://www.gov.uk/challenge-council-tax-band",
          "note": "Consumer-facing gateway. Our UX must be congruent with this.",
          "retrievedAt": "2026-04-23"
        },
        {
          "id": "HMRC-VO-BLOG-2024-EVIDENCE",
          "title": "Evidence to support your Council Tax band challenge — HMRC Valuation Office (Nov 2024)",
          "url": "https://valuationoffice.blog.gov.uk/2024/11/12/evidence-to-support-your-council-tax-band-challenge/",
          "note": "Evidence standards: comparables (up to 5, similar age/style/design/size/type; ±10% size; same street/estate or ~10 miles rural), and explicit rejection of online price calculators.",
          "retrievedAt": "2026-04-23"
        },
        {
          "id": "LGFA-1992-s24",
          "title": "LGFA 1992 s.24 — Alteration of lists",
          "url": "https://www.legislation.gov.uk/ukpga/1992/14/section/24",
          "note": "Defines 'material reduction' and the alteration-of-list framework.",
          "retrievedAt": "2026-04-23"
        },
        {
          "id": "CT-MANUAL-S3-ENGLAND",
          "title": "Council Tax Manual — Section 3: England — proposals and appeals",
          "url": "https://www.gov.uk/guidance/council-tax-manual/section-3-england-proposals-and-appeals",
          "note": "HMRC Valuation Office operational manual. Sets out invalidity practice and time limits.",
          "retrievedAt": "2026-04-23"
        },
        {
          "id": "SI-2009-2270",
          "title": "Council Tax (Alteration of Lists and Appeals) (England) Regulations 2009 (SI 2009/2270)",
          "url": "https://www.legislation.gov.uk/uksi/2009/2270/contents/made",
          "note": "Operational spine for England. Reg 4 circumstances; reg 5 content; reg 7 invalidity; reg 12 notice of alteration.",
          "retrievedAt": "2026-04-23"
        }
      ]
    },
    "outcomeLabel": "INVALID_DO_NOT_SUBMIT",
    "preFilingSuggested": false,
    "disclosures": [
      "This is an AI-powered tool; the user is making their own submission; we are not giving legal advice; nothing we produce has been reviewed by a qualified human.",
      "You must continue paying council tax at your current band until the challenge is decided.",
      "A challenge can result in the band staying the same, going down, or going up.",
      "A band review is discretionary and carries no right of appeal to the Valuation Tribunal for England if the outcome is unfavourable."
    ]
  },
  "evidence": {
    "subjectAddress": "42 Elm Gardens, Anytown AN1 2DD",
    "candidatesScored": 1,
    "top5": [],
    "all": [
      {
        "address": "40 Elm Gardens",
        "band": "E",
        "propertyType": "semi-detached",
        "dimensionScores": [
          {
            "dimensionId": "1-type",
            "dimensionLabel": "Property Type",
            "level": "WEAK",
            "score": 0,
            "reason": "Different type: semi-detached"
          }
        ],
        "overallScore": 0,
        "weaknesses": [
          "Fundamentally different property type"
        ],
        "usableAsComparable": false
      }
    ],
    "estateClusteringDetected": false,
    "citations": [
      {
        "id": "HMRC-VO-BLOG-2024-EVIDENCE",
        "title": "Evidence to support your Council Tax band challenge — HMRC Valuation Office (Nov 2024)",
        "url": "https://valuationoffice.blog.gov.uk/2024/11/12/evidence-to-support-your-council-tax-band-challenge/",
        "note": "Evidence standards: comparables (up to 5, similar age/style/design/size/type; ±10% size; same street/estate or ~10 miles rural), and explicit rejection of online price calculators.",
        "retrievedAt": "2026-04-23"
      },
      {
        "id": "LGFA-1992-s24",
        "title": "LGFA 1992 s.24 — Alteration of lists",
        "url": "https://www.legislation.gov.uk/ukpga/1992/14/section/24",
        "note": "Defines 'material reduction' and the alteration-of-list framework.",
        "retrievedAt": "2026-04-23"
      },
      {
        "id": "CT-MANUAL-S3-ENGLAND",
        "title": "Council Tax Manual — Section 3: England — proposals and appeals",
        "url": "https://www.gov.uk/guidance/council-tax-manual/section-3-england-proposals-and-appeals",
        "note": "HMRC Valuation Office operational manual. Sets out invalidity practice and time limits.",
        "retrievedAt": "2026-04-23"
      }
    ]
  },
  "invalidity": {
    "riskLevel": "high",
    "blocking": true,
    "checks": [
      {
        "checkId": "check-1-reg5-fields",
        "order": 1,
        "title": "All Regulation 5 fields populated",
        "passed": false,
        "severity": "HIGH",
        "reason": "Missing fields: proposer name, selected ground, facts in support, effective date."
      },
      {
        "checkId": "check-2-proposer-capacity",
        "order": 2,
        "title": "Proposer's capacity establishes standing",
        "passed": true,
        "severity": "HIGH"
      },
      {
        "checkId": "check-3-time-limit",
        "order": 3,
        "title": "Time limit met",
        "severity": "HIGH",
        "passed": true
      },
      {
        "checkId": "check-4-permitted-ground",
        "order": 4,
        "title": "Permitted ground selected and supported by facts",
        "passed": false,
        "severity": "HIGH",
        "reason": "Ground '' is not known. No material facts provided."
      },
      {
        "checkId": "check-5-band-consistency",
        "order": 5,
        "title": "Proposed band internally consistent with evidence",
        "passed": false,
        "severity": "MEDIUM",
        "reason": "No comparables or sufficient factual support to justify the proposed band."
      },
      {
        "checkId": "check-6-effective-date",
        "order": 6,
        "title": "Effective date consistent with ground",
        "passed": false,
        "severity": "MEDIUM",
        "reason": "No effective date provided."
      },
      {
        "checkId": "check-7-no-misleading",
        "order": 7,
        "title": "No obviously misleading statements",
        "passed": false,
        "severity": "HIGH",
        "reason": "Proposal contains obviously misleading or deliberately false statements."
      },
      {
        "checkId": "check-8-spelling-format",
        "order": 8,
        "title": "Spelling/formatting matches current list entry",
        "passed": true,
        "severity": "LOW"
      }
    ],
    "defectCategories": [
      "SIGNIFICANT_OMISSION",
      "FUNDAMENTAL",
      "MISLEADING"
    ],
    "explanation": "Proposal contains fundamental defect(s). LO will likely serve invalidity notice.",
    "citations": [
      {
        "id": "SI-2009-2270",
        "title": "Council Tax (Alteration of Lists and Appeals) (England) Regulations 2009 (SI 2009/2270)",
        "url": "https://www.legislation.gov.uk/uksi/2009/2270/contents/made",
        "note": "Operational spine for England. Reg 4 circumstances; reg 5 content; reg 7 invalidity; reg 12 notice of alteration.",
        "retrievedAt": "2026-04-23"
      },
      {
        "id": "CT-MANUAL-S3-ENGLAND",
        "title": "Council Tax Manual — Section 3: England — proposals and appeals",
        "url": "https://www.gov.uk/guidance/council-tax-manual/section-3-england-proposals-and-appeals",
        "note": "HMRC Valuation Office operational manual. Sets out invalidity practice and time limits.",
        "retrievedAt": "2026-04-23"
      },
      {
        "id": "HMRC-VO-BLOG-2024-EVIDENCE",
        "title": "Evidence to support your Council Tax band challenge — HMRC Valuation Office (Nov 2024)",
        "url": "https://valuationoffice.blog.gov.uk/2024/11/12/evidence-to-support-your-council-tax-band-challenge/",
        "note": "Evidence standards: comparables (up to 5, similar age/style/design/size/type; ±10% size; same street/estate or ~10 miles rural), and explicit rejection of online price calculators.",
        "retrievedAt": "2026-04-23"
      }
    ]
  }
}